Insurance cover options

Death, Terminal Illness and TPD cover provides a lump sum payment to you or your dependants in the event of death, or you suffer from an illness or serious injury which makes it impossible for you to work. This insurance can help protect against unforeseen circumstances to ensure the ongoing well-being of you or your family members

Short Term Income Protection cover provides a replacement income of up to 90% (plus the employer Superannuation Guarantee contribution of 9.5%) for up to two years if you are unable to work temporarily due to illness or injury (conditions and waiting periods apply). This means you can continue to pay your bills while taking the time to recover.

Long Term Income Protectioncover can provide replacement income of up to 75% (plus the employer Superannuation Guarantee contribution of 9.5%) until age 65. This cover complements the Short Term Income Protection cover as it has a two year waiting period.

Learn more about our insurance products

Industry Division (Default cover)

Personal Division

Insurance made for you

Insurance is not a “one-size fits all” solution, so our insurance offering is designed to be tailored based on the age of the member being insured.

We’ve adjusted insurance levels to more closely align with member needs at certain ages and have also adjusted the insurance premiums accordingly, making our insurance offering more affordable and sustainable.

Default insurance

Members with default insurance cover now have insurance cover levels and premiums based on their age.

Customised insurance

Members wishing to apply for additional insurance can also access customised cover based on their age, increasing their cover through additional units or fixed cover.

Income Protection

We have retained all of the benefits of our income protection cover, with only a slight increase in premium.

Meet Lauren (19 years old)

Young and without debts, she doesn’t need a large amount of Death & TPD cover. But as she gets older, her needs will change.

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This website is provided by Club Plus Superannuation Pty Limited ABN 26 003 217 990, ASFL 245362, RSE L0000529 (Club Plus Super) trustee of Club Plus Superannuation Scheme, ABN 95 275 115 088, RSE Registration No R1000757. It contains general financial information that has been prepared without taking account of your objectives, financial situation or needs. Before acting on the information or deciding whether to acquire or hold a product consider its appropriateness and the relevant Product Disclosure Statement (PDS) which is available on this website.